Senior Loan Processor (AU Mortgage) - Mercury

Position : Senior Loan Processor Salary : $2,200 AUD / month Working Hours & Conditions : AU Business Hours ABOUT THE COMPANY: The client is a high-performing Australian mortgage brokerage dedicated to providing tailored finance solutions—ranging from residential and self-employed lending to SMSF and commercial finance. ROLE OVERVIEW: We are currently scaling operations and looking for a highly capable, autonomous Senior Mortgage Loan Processor to join as our core operational right hand. This is a foundational role within the business for an experienced processor who takes pride in owning the end-to-end file pipeline, with long-term potential to expand responsibilities as the team grows. You will take complete ownership of the end-to-end residential loan processing workflow, freeing up the Principal Broker to focus on high-level client strategy, referral partner relationships, and business growth. We deal with a high volume of complex files, including self-employed clients, company structures, and business owners. We need someone who can hit the ground running with minimal hand-holding. You should be comfortable reading complex financial documents, navigating lender portals, and working comfortably within an evolving, tech-forward environment. RESPONSIBILITIES: 1. End-to-End Loan Processing & File Preparation - Manage loan applications from initial document collection through to settlement. - Review and analyze complex income documents—including personal tax returns, company financial statements, ATO notices of assessment (NOA), and profit & loss statements. - Fact-check data, run calculations, and ensure files comply with Best Interest Duty (BID) and lender requirements. - Package and submit clean, fully documented loan applications to lenders via ApplyOnline / LIXI. - Actively track, manage, and clear lender MIRs (More Information Required) to push applications swiftly through to formal approval. 2. Portfolio Management & Rate Reviews - Conduct proactive rate reviews and lodge repricing requests with existing lenders to ensure clients maintain competitive interest rates. - Pull regular portfolio reports to identify clients due for annual reviews or fixed-rate expiry follow-ups. - Draft and send templated client emails regarding pricing outcomes, rate changes, and refinancing opportunities. 3. Workflow & Admin Support - Maintain accurate CRM data and status updates within Connective Mercury / Nexus. - Assist in organizing client reviews and booking follow-up appointments for the Principal Broker. - Collaborate with the Principal Broker to document, refine, and optimize repeatable processing workflows using video (Loom) and modern AI tools. Requirements Non-Negotiables (Must-Haves) - Minimum 5 years of direct experience in Australian residential mortgage loan processing. - Proven ability to read and analyze self-employed income documents, including business financial statements and complex tax returns. - Proficiency with Connective CRM tools (Connective Mercury or Connective Nexus platform experience highly preferred). - Deep understanding of Australian lender policies, ApplyOnline, and standard broking compliance (BID). - Exceptional written and verbal English communication skills (comfortable drafting client-facing emails and liaising with Australian lender BDMs/credit assessors). - Self-directed mindset: able to problem-solve independently and operate effectively in a lean, fast-moving environment. Nice-to-Haves - Prior experience handling SMSF (Self-Managed Super Fund) mortgage applications or exposure to commercial/asset finance files. - Familiarity with modern productivity tools, including Loom video SOPs and AI-assisted workflow tools. Benefits What We Offer & Business Environment - Future Growth: Opportunity to expand into broader support functions and leadership as the business adds further processing support down the line. - Modern Workstyle: Direct access to the Principal Broker, asynchronous video training (Loom), and leverage of AI tools to streamline repetitive task friction. - Competitive Compensation: Competitive offshore salary packaged based on relevant Australian broking experience. - Stability: Stable, long-term full-time role aligned with standard Australian business hours.